If you're struggling to make your loan payment on time due to unexpected circumstances, take advantage of Skip-A-Pay and defer your eligible loan* or credit card payment so you can put money towards what you need most.
Is My Loan Eligible?
To skip your loan payment, your account must be in good standing with a $5 minimum balance and have no charged off accounts. Your loan must be current and open for more than 90 days.
Eligible personal loans include:
- Credit cards
- Personal loans
- Vehicle loans (excluding CURE, Indirect and Lender Protection Auto Loans)
To assist members that have been financially impacted by the COVID-19 pandemic, we have increased the number of times you can skip your payment to three monthly skips during the 2020 calendar year.
Request to Skip Your Payment
The easiest way to submit your request is through Online Banking. Login and select the 'Services' tab. In the drop-down menu, select 'Skip-A-Pay' and fill out the request form. You can also submit your request by contacting us at 888.493.4328, visiting a branch location or by mailing us a completed Skip-A-Pay Application form.
Once your request is approved, a $25 fee will be deducted from your savings or checking account.
*All Skip-A-Pay requests are subject to Georgia United approval. Interest and finance charges will continue to accrue. Deferring your payment will extend the term of your loan(s), and at the end of the loan(s), a higher total finance charge will be paid than if payments had been made as originally scheduled. Your payment(s) will resume the following month. To be eligible, your account must be in good standing with a $5 minimum balance and have no charged off accounts. Offer valid for the following personal loan products: credit cards, personal loans and vehicle loans (excluding CURE, Indirect and Lender Protection Auto Loans) that are current and open for more than 90 days. You may complete up to three monthly skips during the 2020 calendar year; however, you may not skip two consecutive months. This offer may be used for one of the following options: one monthly loan payment, two consecutive bi-weekly payments or four consecutive weekly loan payments. The application must be received at least one week prior to your due date. If you elected GAP coverage on your loan, coverage may not be extended beyond the original maturity date. It is your responsibility to cancel any scheduled payments from other financial institutions.